for questions related to a Check [spelled as Cheque in Asia and UK] as a bank instrument to withdraw money.

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7
votes
1answer
465 views

Can anybody cash my check by using an ATM? Does the machine check the name of the check and debit card?

I lost my paycheck. If somebody finds it will they be able to cash it?
5
votes
2answers
81 views

What information is required in the top left (payor) part of a check?

I occasionally do consulting for people, using a business name rather than my personal name. I don't do enough work to justify setting up a separate business bank account, so all the checks I write ...
3
votes
1answer
137 views

Can I cash a Government check without a bank account?

Can I cash a government check at a bank without having a bank account anywhere? It is a substantial amount of backpayment from SSDI.
3
votes
4answers
130 views

Is a digital image of a check e-mailed to someone a negotiable instrument?

Is it legal to send a personal check (from a picture of the hand written original) as an image through an email attachment? Then do they just submit the actual size printed image to their bank? Then ...
4
votes
1answer
351 views

Never-cashed cheques

A scenario: You pay someone with a cheque for something, receiving a receipt for it. They do not cash in the cheque. What is the ettiquette for this situation? Are you to go on living your life, ...
0
votes
0answers
44 views

Stale dated check as payment

I received a check marked as "stale dated" for payment of funds I should have received 22 months ago. The check does have a current June 2015 date, however, the company explicitly marked the check as ...
3
votes
2answers
97 views

incorrect printed information on check stock

I have some checks that were printed in error with duplicate check numbers. All of the other information is correct. Would it be OK to correct the check numbers with a sticker or correction tape?
1
vote
1answer
69 views

Estate accounts requiring 3 signature for withdrawal, is same required for deposits

We have an estate checking account in WV. It takes 3 of us to write a check. Does it also take 3 signatures to deposit a check?
3
votes
4answers
951 views

Do I need to insure a large check when sending via mail?

My girlfriend has a bank account that is on hold because of a stolen debit card number. She recently signed a contract for 90k but has the first check in my name for 60k. She is stuck in London for a ...
2
votes
1answer
115 views

If a check was made out to my name instead of my business name, is there some way I can still deposit it into my business account?

I am working as an independent contractor, and my first check was made out to my personal name instead of my business/corporate name, can I sign the check over and consider it as income for the ...
3
votes
4answers
159 views

Are there special endorsement requirements for US Government checks to two parties?

At a bank where I have a checking account in my name only, I regularly cash a dividend check made out to my wife AND me. My wife endorses the check at home and then I stroll down to the bank and add ...
3
votes
1answer
127 views

Depositing the same check after it's returned

So I wrote a check to myself to transfer some money from one of my account at Wells Fargo to Bank of America. The problem is, I used wrong account to withdraw the money (checking instead of saving), ...
0
votes
1answer
99 views

is there any law prohibting use of home made check

are there any laws prohibiting the use of home made checks, or must I always use a bank created check. Is there a legal directive I can reference?.
0
votes
0answers
32 views

Why are checks preferred to wire transfers in the US? [duplicate]

When moving to the US from Switzerland, I have been surprised by the difference in banking systems. One point that interests me particularly is the use of checks vs wire transfers. In Switzerland, ...
4
votes
2answers
96 views

What payment options are there besides checks and direct deposit?

My employer is planning to require all employees to be paid by direct deposit. A number of our employees are unbanked, and opening an account is not practical. I understand the employer's concern to ...
0
votes
1answer
99 views

What do US banks look for while processing a check

I recently had two issues with banks & checks I deposited a check payable to my spouse & me in our joint account at the bank ATM. It was accepted, then rejected - missing endorsement. Turns ...
1
vote
1answer
51 views

check deposit question

Someone sent me a signed check and they spelled out my name and put the date on it, but forgot to put in the dollar amount in both fields. It is a weekly recurring check amount. I put in the $500.00 ...
0
votes
0answers
117 views

Forgot to sign at the bottom of money order

I recently sent a money order. I wrote the recipient's name, but forgot to sign at the bottom. I also don't have the receipt for the money order, hence I don't know the number associated with it. Is ...
0
votes
0answers
72 views

Letting someone else pay in a check (made out to me) to their account?

I have a check made out to me (call me John Doe). I'm permanently away from my home country, where I have bank accounts; I'm now in Canada. I'd like to let a friend (call her Jane Doe) pay the check ...
4
votes
3answers
328 views

Checks made out to multiple parties with 'and'. How can I deposit it with one signature?

I am receiving payments from a lawsuit in my favor, with three other plaintiffs. The payments we are receiving are personal checks, made out to all off the plaintiffs with 'and' joining the names. ...
0
votes
0answers
18 views

Check expiry date [duplicate]

I have received a banker's check which HSBC New York sent after closing my account. There is no mention of expiry date. Can somebody inform me how many months are USA checks valid?
0
votes
1answer
58 views

Check expiry date

I have received a banker's check which HSBC New York sent after closing my account. There is no mention of expiry date. Can somebody inform me how many months are USA checks valid?
-5
votes
2answers
115 views

Where can I cash a check in the USA Online instead of in person? [closed]

I would like to know WHERE could I cash any type of cheque in USA entirely online (contact done online without physical visit)? Tried to do some research but most far i came was having to sign some ...
1
vote
3answers
118 views

Received Check as Business Before Having Funds to Start the LLC

I've received a payment and will continue to be receiving payments contingent on me getting paid as an LLC. The problem with that is, is that starting an LLC is expensive and I don't have the funding ...
2
votes
2answers
414 views

2 names on US tax refund, filed as 'single'

I recieved my US federal tax return earlier this month. When I first looked at the check, I noticed it had a % symbol, followed by my mother's name on the line below the one with my name. it looks ...
2
votes
2answers
118 views

What is a reasonable International Bank Draft Fee for cashing a cheque in Sweden from a friend in Scotland?

I have received an Internation Bank Draft from a friend in Scotland, made out in Swedish Kroner. I went to my bank here in Sweden and they said it would cost around 60 Euro to cash the cheque which is ...
0
votes
1answer
84 views

Can personal banking customers use the BMO Harris Bank remote cheque deposit system?

I live in Canada. I notice that BMO Harris Bank offers remote cheque deposit software, powered by DepositEdge, for its commercial banking customers. But I only have a personal banking account with ...
3
votes
1answer
774 views

Can a Foreigner cash a US issued Check in the US?

I have received an American check from a large US bank as payment for stocks that I sold in the US. I am not american, and I will be in the US shortly. I need to know if and how I could cash this ...
2
votes
3answers
259 views

What reason would a person have to use checks in stores?

I recently saw a rare (for me) sight... someone in a store paying with a check. Is there any rational reason to do this? Anyone with a checking account can get a debit card for it, and there is no ...
1
vote
3answers
151 views

How do I dispose of my old checks?

I have several stacks of unused checks from a few old checking accounts of mine. How long should I keep the checks after I close each account? How should I dispose of them? Should I destroy them ...
1
vote
2answers
80 views

How to change the default validity length of a check in the US when emitting it?

Checks issued by US banks are typically valid for 180 days, although it might vary depending on the state and the bank. When writing a check, how can I change its default validity length? I sometime ...
1
vote
1answer
3k views

How long are checks issued by Bank of America valid?

I am writing a check using my account at Bank of America. How long will it be valid? In other words, how much time does the recipient have to cash it?
1
vote
1answer
273 views

Check number and written amount don't match [duplicate]

What happens to a check that says $[570-] where the written amount goes and "five hundred -------------------70/100" where the written portion goes?
2
votes
1answer
251 views

Endorsed check - does everyone have to be present to cash it?

Myself and some old roommates have a security deposit check made out to all five of us. Do all five of us have to actually be present to cash the check, or can one or more people in the party simply ...
0
votes
1answer
4k views

How do banks handle post-dated checks deposited via the ATM?

As noted in another question, banks have different policies regarding post-dated checks before the post-date, although it seems most will accept the check as long as the check issuer hasn't contacted ...
0
votes
0answers
26 views

Which banks in the north NJ/NYC area offer deposits by scanner for personal checks?

A number of business checking accounts offer this service but so far I haven't seen any personal accounts in the area. Any suggestions?
2
votes
1answer
210 views

found a 1994 uncashed profit sharing retirement plan check

I found an old un-cashed check dated 1994 for $487 from my Xerox Retirement plan with no expiration date. Can I still cash it?
0
votes
2answers
80 views

Ordering checks for my LLC

I'm ordering checks for my newly formed LLC. I wondered if I should put my personal name on the checks, just the LLC name or both. Thank you.
5
votes
1answer
186 views

Stolen wallet containing check. What are the proper steps to take now?

My wallet was stolen. I cancelled all my cards, but I also had a check written to me that I hadn't deposited yet. I have contacted the issuer of the check and asked him to cancel it, but he says he is ...
3
votes
2answers
233 views

In double entry book-keeping, how should I record writing of a check?

Say I write a check (in British English, a cheque) to pay money to some supplier out of my business's current account. I post the check. As far as I'm concerned, the company has spent that money and ...
2
votes
3answers
1k views

How do I cash a USD cheque in Europe, quickly?

I'll receive a USD cheque shortly. I prefered payment by money transfer, but all attempts to do so - i.e. SWIFT/IBAN, Payoneer, transferwise - failed. Now I will receive a cheque by mail. I contacted ...
3
votes
1answer
523 views

Cash a US Government check without bank account

A US citizen, long-term permanent resident in Canada, with no financial presence of any type in the US. He holds a valid US passport, and is up-to-date with all IRS and FBAR reporting. He has a $400 ...
3
votes
1answer
128 views

Can a check be indorsed anywhere, or just in the specified area?

So I wanted to know, but nobody has been able to answer me. Can an indorsement be made anywhere on a check, or does it always have to be made in the designated space on the back of the check?
14
votes
2answers
900 views

Does a post-dated check have any *valid* use for delaying payment?

I was recently witness to a salesman claiming that a customer could post-date a check to guarantee their check would not be cashed before the item they just ordered was received. I was under the ...
0
votes
0answers
23 views

Escrow check with past void date? [duplicate]

I have an escrow check that is past 180 days. It will be around 6 days past 180 come Monday. The check was issued by bank of america and my bank is chase. Would they still let me deposit it or will ...
13
votes
1answer
1k views

Uncashed lawsuit settlement check

My mom is 84 years old, and her memory is not so good. I just found a lawsuit settlement check from an attorney along with the settlement papers in her files. The check is for $24,000, drawn on an ...
1
vote
1answer
88 views

When printing a check from a business account is it possible to print it on the smaller (personal) check paper?

My father owns his own business and asked me to print a few checks on the smaller (personal) size check paper? I did not know this was possible, but he assured me that it was. I am confused about how ...
-1
votes
1answer
249 views

Where should I sign on this check?

I received a refund check from my credit card company. I would like to deposit to my bank account online. But I wonder where I can sign my name, since I don't see any hint on the back of the check. ...
2
votes
2answers
2k views

How can I cash out a check internationally?

I have a prize check in my name at my old university based in the US. I have now shifted to another country and was wondering, what would be the best way to cash out the check? I know someone ...
4
votes
1answer
1k views

How can I cash US treasury check in India?

I have a United States Treasury check. Please let me know how to encash it in India. I tried ICICI bank but they are unable to process it.